First Kentucky Bank in Sturgis, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 19, 2000

  • First Kentucky Bank in Sturgis, Kentucky (KY)
  • Show street view No street view available for this location

First Kentucky Bank - Overview

  • General
  • FDIC Certificate #: 8795
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Integra Bank National Association (#4392)
    Federal Reserve ID: 703244
    Date Established: January 01, 1916
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 13965
    FDIC's unique #: 5599
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 19, 2000
    Last Structure Change Process Date: July 20, 2000
    Last Data Update: July 20, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Adams Street, Sturgis, KY 42459
    County: Union
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $233.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1999)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $228,953Total assets
  • $5,166Cash and due from depository institutions
  • $119Interest-bearing balances
  • $24,739Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $187,263Net loans & leases
  • $1,948Loan loss allowance
  • $0Trading account assets
  • $2,949Bank premises and fixed assets
  • $362Other real estate owned
  • $5,670Goodwill and other intangibles
  • $0Life insurance assets
  • $2,804All other assets
  • $228,953Total liabilities and capital
  • $202,729Total liabilities
  • $181,194Total deposits
  • $169,424Interest-bearing deposits
  • $181,194Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $9,623Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,247Other borrowed funds
  • $0Subordinated debt
  • $1,665All other liabilities
  • $26,224Total equity capital
  • $26,224Total bank equity capital
  • $26,224Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $16,521Undivided profits
  • Memoranda
  • $8,703Noncurrent loans and leases
  • $23,530Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $843Earning assets
  • $0Long-term assets (5+ years)
  • $1,746Average Assets, year-to-date
  • $212,121Average Assets, quarterly
  • $69,843Volatile liabilities
  • $226,872Insider loans
  • $226,964FHLB advances
  • $35,892Loans and leases held for sale
  • $1,984Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $239Total risk weighted assets
  • $23,530Total unused commitments
  • $0Restructured Loans and leases
  • $1,948Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $17,604Total interest income
  • $8,393Total interest expense
  • $9,211Net interest income
  • $866Provision for loan and lease losses
  • $1,273Total noninterest income
  • $12Fiduciary activities
  • $897Service charges on deposit accounts
  • $0Trading account gains & fees
  • $364Additional noninterest income
  • $5,827Total noninterest expense
  • $2,168Salaries and employee benefits
  • $479Premises and equipment expense
  • $3,180Additional noninterest expense
  • $3,791Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,031Applicable income taxes
  • $2,760Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,760Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $292Sale, conversion, retirement of capital stock, net
  • $2,250Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.41%Yield on earning assets
  • 4.01%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 10.45%Return on equity (ROE)
  • 1.93%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 296.58%Credit loss provision to net charge-offs
  • 15.95%Efficiency ratio
  • 48,102Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.52%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 231.08%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 103.35%Net loans and leases to core deposits
  • 117.83%Equity capital to assets
  • 11.45%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 12.77%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $226,872Average earning assets
  • $26,408Average equity
  • $209,263Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Kentucky Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents